They take on the risk to protect the consumer.
Oh please - the risk to the consumer from Ghiradelli Chocolate or Sketcher sneakers?? Let's be honest here, the bottom line is MONEY. If it was really all altruistic, they could do the work pro bono. There is no such thing as FREE money, the companies will just raise the prices on their goods and services, the lawyers will get their money and the uneducated public will think they got a gift.